The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,257
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,887
−HK$640/mo
Today · 4.125%
HK$21,527
baseline
▲ 0.50% · 4.625%
HK$22,837
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,054/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,536
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,140
−HK$613/mo
Today · 4.125%
HK$23,753
baseline
▲ 0.50% · 4.625%
HK$25,005
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,506/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,308
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,064
−HK$769/mo
Today · 4.125%
HK$25,833
baseline
▲ 0.50% · 4.625%
HK$27,404
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,666/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,043
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,768
−HK$736/mo
Today · 4.125%
HK$28,504
baseline
▲ 0.50% · 4.625%
HK$30,006
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,008/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,360
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,242
−HK$896/mo
Today · 4.125%
HK$30,138
baseline
▲ 0.50% · 4.625%
HK$31,972
+HK$1,834/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,276/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,550
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,396
−HK$858/mo
Today · 4.125%
HK$33,254
baseline
▲ 0.50% · 4.625%
HK$35,007
+HK$1,753/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,508/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,462
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,597
−HK$1,152/mo
Today · 4.125%
HK$38,749
baseline
▲ 0.50% · 4.625%
HK$41,107
+HK$2,358/mo
Deposit HK$888K · loan HK$8.00M · min. income ≈ HK$77,498/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,564
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,652
−HK$1,104/mo
Today · 4.125%
HK$42,756
baseline
▲ 0.50% · 4.625%
HK$45,009
+HK$2,253/mo
Deposit HK$888K · loan HK$8.00M · min. income ≈ HK$85,512/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,509 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).